MIKA VS GURU / READER INFORMATION
Terms & Conditions
These terms explain the basis on which Mika vs Guru makes its educational website and free resources available. Please read the Educational Disclaimer as well.
1. About the website
Mika vs Guru is the publishing name used on this website. “Mika vs Guru management” is an administrative contact description, not a claim that a company with that legal name exists. References to “we”, “us” and “our” concern the people responsible for publishing the site under that name.
These terms concern access to our general educational material. They do not create a paid service, subscription or personal advisory arrangement. If you do not wish to use the material on this basis, please discontinue use. Any rights arising under applicable law remain unaffected.
2. Educational use and independent decisions
Content is general education, not personalised investment, medical, legal, tax or other professional advice. No professional relationship arises from using the site. The financial, health, research and tool limitations in the Educational Disclaimer form part of these terms. You are responsible for checking information and obtaining qualified advice where appropriate.
3. Content ownership and sharing
Rights in original Mika vs Guru text, artwork, branding and resources remain with their respective rights holders. Third-party research, trademarks, media and linked material retain their own rights and licences. A citation is not permission to reproduce a complete source.
You may read, link to, bookmark and print our freely available articles for your own learning. You may quote short extracts with clear attribution and a link, subject to applicable law. Do not republish complete articles, misrepresent authorship, remove attribution, sell copies or imply that we endorse you without permission. Statutory exceptions, including fair dealing or fair use where applicable, are not restricted by this notice.
4. Free worksheets and templates
Unless an individual resource states different terms, you may download and adapt a free worksheet for your personal learning or internal work, and share a completed copy with your own collaborators. This does not authorise selling or redistributing the blank resource, bundling it into a commercial course or product, or using Mika vs Guru branding to imply approval.
Keep source attribution when sharing a completed copy. Verify formulas, rights, factual assumptions and suitability before relying on a resource. A template is not a professionally approved contract, investment plan or clinical instrument. Any separately purchased resource is also subject to its expressly stated purchase and licence terms.
5. Acceptable use
Do not use the site to infringe rights, impersonate others, distribute malicious code, attempt unauthorised access, circumvent access controls or disrupt the site. Do not present our examples or fictional presenters as personal professional advice or verified real-world outcomes. Ordinary search-engine indexing, linking and accessibility tools are not prohibited by this section.
6. External links and social platforms
YouTube, TikTok, source websites and other external services operate under their own rules. We do not control their availability, security, content or handling of data. Check the destination and its terms before providing information or making a purchase. Mentioning a product does not guarantee its quality, safety or suitability.
Comments made on an external platform are governed by that platform’s terms. Do not post confidential or sensitive information in public comments. We do not guarantee a response or offer emergency assistance through social channels.
7. Accuracy, availability and changes
We may correct, update or withdraw content and resources. Dates identify publication or revision, not continuous monitoring. We do not promise that every page is complete, error-free, current, accessible at all times or suitable for your particular purpose. Keep your own copies of completed worksheets; do not rely on this website as storage.
We may revise these terms by publishing an updated version with a new date. Revisions apply prospectively and do not remove rights already acquired under applicable law. Check the current version before using a resource in a new way.
8. Liability and mandatory rights
To the extent permitted by applicable law, the free educational material is provided “as is” and “as available”, without warranties of accuracy, completeness, fitness for a particular purpose or uninterrupted access. To that same extent, we are not responsible for trading or investment losses, business losses, lost profits, lost opportunities or indirect or consequential losses arising from reliance on the material.
These limitations apply only where lawful. Nothing excludes or restricts liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence where exclusion is prohibited, or any other liability that cannot lawfully be limited. Nothing removes mandatory consumer protections or other non-waivable rights. An unenforceable provision does not expand the remaining limitations.
9. Questions and disputes
Public editorial enquiries may be addressed to Mika vs Guru management through the YouTube channel or TikTok profile. These public channels are not designated addresses for confidential records or formal legal service.
These terms do not select an exclusive court, require arbitration or waive a right to bring a claim available under applicable law. The applicable law and competent forum are determined by the rules that apply to the circumstances.